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Free Financial & Tax Toolkit

Smart Financial & Tax Calculators

Accurate, interactive calculators for tax planning (AY 2026-27), salary in-hand estimates, investment growth, borrowing costs, and retirement planning. Clear, instant, and backed by expert assisted tax support.

Income Tax Calculator (AY 2026-27)

Side-by-side comparison of New Tax Regime (Section 115BAC) vs Old Tax Regime with ₹75,000 standard deduction and Section 87A rebate.

Budget Updated Dedicated Page
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New Tax Regime is Better

You save ₹0 in the New Tax Regime.

NEW REGIME (115BAC)
₹ 0
OLD REGIME
₹ 0
Standard Deduction (New / Old) ₹ 75,000 / ₹ 50,000
New Regime Taxable Income ₹ 0
Old Regime Taxable Income ₹ 0
Health & Education Cess (4%) ₹ 0
Consult Tax Expert on WhatsApp

AY 2026-27 Slabs & Breakeven Rule

New Tax Regime: 0-3L: Nil | 3-7L: 5% | 7-10L: 10% | 10-12L: 15% | 12-15L: 20% | Above 15L: 30%. With ₹75,000 Standard Deduction and full Section 87A rebate up to ₹7,00,000 taxable salary, earnings up to ₹7,75,000 attract ₹0 tax.

Old Tax Regime: 0-2.5L: Nil | 2.5-5L: 5% | 5-10L: 20% | Above 10L: 30%. Requires over ₹3.75L+ in aggregate deductions (80C, 80D, HRA, Home Loan) to beat the New Regime.

HRA Exemption Calculator (Section 10(13A))

Calculate your exact tax-exempt House Rent Allowance and taxable HRA as per statutory Income Tax Rule 2A.

Old Regime Exemption Dedicated Page
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Tax Exempt HRA (Section 10(13A))
₹ 1,80,000
1. Actual HRA Received ₹ 2,40,000
2. Rent Paid minus 10% Salary ₹ 1,80,000
3. 50% / 40% of Basic Salary ₹ 3,00,000
Taxable HRA Added to Salary ₹ 60,000
WhatsApp HRA Query to Tax Specialist

HRA Exemption Formula (Rule 2A)

Exempt HRA = Minimum of (Actual HRA, Rent Paid - 10% Basic, 50%/40% Basic)

If annual rent exceeds ₹1,00,000, providing the Landlord's PAN is mandatory to claim HRA in your tax return.

GST Calculator (Add GST / Remove GST)

Quickly calculate GST amounts, base prices, CGST, SGST, and IGST for any invoice value and GST slab.

5%, 12%, 18%, 28% Dedicated Page
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Total Final Invoice Amount
₹ 59,000
Net Base Amount ₹ 50,000
Total GST Tax Amount ₹ 9,000
Intra-State CGST (9%) ₹ 4,500
Intra-State SGST (9%) ₹ 4,500
Inter-State IGST (18%) ₹ 9,000
Ask GST Specialist on WhatsApp

Salary In-Hand / CTC Breakdown Calculator

Estimate your exact monthly in-hand take-home salary from your Annual Cost to Company (CTC) after EPF, Professional Tax, and Income Tax TDS.

EPF & TDS Model Dedicated Page
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Estimated Monthly In-Hand Cash
₹ 87,400
Gross Monthly Salary ₹ 1,00,000
Monthly Employee EPF (12% of Basic) - ₹ 4,800
Monthly Professional Tax - ₹ 200
Estimated Monthly TDS Tax (New Regime) - ₹ 7,600
Optimize Salary Structure with Tax Advisor

SIP Calculator (Systematic Investment Plan)

Model the future compound maturity value of your monthly mutual fund SIP investments over time.

Compounding Engine Dedicated Page
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Years
Total Expected Maturity Corpus
₹ 23,23,391
Invested Amount Estimated Wealth Gain
Total Amount Invested ₹ 12,00,000
Estimated Wealth Gain (Returns) ₹ 11,23,391
Ask Investment Tax Advice

Step-Up SIP Calculator (Annual Increment)

See how boosting your monthly SIP contribution by 5% to 15% every year as your salary increases can double your ultimate wealth corpus.

Smart Compounding Dedicated Page
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Years
Step-Up Maturity Corpus
₹ 32,84,914
Total Amount Invested ₹ 19,12,491
Estimated Wealth Gain ₹ 13,72,423
Extra Wealth vs Normal SIP + ₹ 9,61,523
Discuss Financial Goals with Expert

Loan EMI Calculator (Home, Car & Personal Loans)

Calculate your monthly loan repayment installments, total interest payable, and overall cost of borrowing.

Amortization Engine Dedicated Page
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Years
Monthly Loan EMI
₹ 26,035
Principal (Loan) Total Interest
Principal Loan Amount ₹ 30,00,000
Total Interest Payable ₹ 32,48,335
Total Repayment (P + I) ₹ 62,48,335
Claim Home Loan Tax Benefit

Capital Gains Tax Calculator (Post-Budget Rates)

Compute Short-Term (STCG) and Long-Term (LTCG) tax on Listed Equities (12.5%), Real Estate Property, and Mutual Funds.

AY 2026-27 Rates Dedicated Page
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Months
Net Capital Gains Tax Payable
₹ 28,600
Total Capital Gain ₹ 3,50,000
Gain Classification LTCG (>12 Months)
Tax-Free Exemption (Sec 112A) ₹ 1,25,000
Taxable Gain Amount ₹ 2,25,000
Tax Rate (with 4% Cess) 12.5% + 4% = 13.0%
Review Capital Gains with Tax Specialist

Gratuity Calculator (Payment of Gratuity Act, 1972)

Estimate your statutory gratuity payout upon resignation or retirement, tax exemption limits, and taxable amounts.

₹20 Lakh Exemption Dedicated Page
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Years
Estimated Gratuity Payable
₹ 3,46,154
Calculation Formula (15 × Basic × Years) / 26
Tax-Free Exemption Limit ₹ 20,00,000 (100% Tax Free)
Taxable Gratuity ₹ 0
Consult Tax Specialist

PPF Calculator (Public Provident Fund)

Calculate 15-year compound maturity value and 100% tax-free interest under the EEE regime (Current rate: 7.1%).

EEE Tax Free Dedicated Page
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Years
Total 100% Tax-Free Maturity Value
₹ 40,68,209
Total Principal Deposited ₹ 22,50,000
Total Compounded Interest Earned ₹ 18,18,209
Applicable Government Rate 7.1% p.a. (Annual Compounding)
Claim PPF in ITR

Advance Tax Calculator (Section 208)

Calculate your 4 quarterly statutory advance tax installments to prevent 1% monthly interest penalties under Sections 234B & 234C.

4 Installments Dedicated Page
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Net Advance Tax Payable
₹ 90,000
1st Installment (15% by 15 June) ₹ 13,500
2nd Installment (45% by 15 Sept) ₹ 27,000 (Cumulative ₹40,500)
3rd Installment (75% by 15 Dec) ₹ 27,000 (Cumulative ₹67,500)
4th Installment (100% by 15 March) ₹ 22,500 (Cumulative ₹90,000)
Pay Advance Tax with Expert Help
Got Questions?

Frequently Asked Questions

Expert answers on income tax slabs, HRA exemption rules, SIP compounding, and loan EMI mathematics.

Under the New Tax Regime (Section 115BAC) for AY 2026-27, salaried individuals receive an enhanced ₹75,000 Standard Deduction. This reduces a ₹7,75,000 gross salary to ₹7,00,000 taxable income. Under Section 87A, any taxable income up to ₹7,00,000 receives a 100% tax rebate up to ₹25,000, bringing your net tax liability to ₹0.

No. House Rent Allowance (HRA) exemption under Section 10(13A) is available only under the Old Tax Regime. Under the New Tax Regime, you receive a higher standard deduction (₹75,000) and lower slab rates in exchange for giving up itemized exemptions like HRA and 80C.

In a regular SIP, you invest a fixed amount every month for the entire duration. In a Step-Up SIP, you automatically increase your monthly investment by a chosen percentage (e.g. 10%) every year as your annual salary increases. Over a 10 to 15-year period, stepping up by just 10% annually can nearly double your final wealth accumulation.

For listed equity shares and equity mutual funds: Long-Term Capital Gains (LTCG - holding > 12 months) are taxed at 12.5% under Section 112A, with an increased tax-free exemption limit of ₹1,25,000 per financial year. Short-Term Capital Gains (STCG - holding ≤ 12 months) are taxed at a flat 20% under Section 111A.

Any taxpayer whose estimated total tax liability for the financial year (after deducting TDS/TCS) is ₹10,000 or more must pay Advance Tax in 4 quarterly installments (15% by 15 June, 45% by 15 Sept, 75% by 15 Dec, and 100% by 15 March). Senior citizens without business income are exempt.